#1
Scotiabank Platinum American Express Card
Scotiabank · 评分 3.8/5
Luxury Travel + No FX Fees
开卡礼: Earn up to $2,800 in value in the first 14 months, including up to 80,000 bonus Scene+ points.
通过 FinlyWealth 可获得 +$175 额外返现
年费$399
购物利率9.99%
外币手续费0%
⚠ Disclaimer: We may earn a commission if you apply through the links on this page. Any results described are from our own personal experience — individual results vary, and card terms and rewards pricing change over time, so confirm current details with the issuer before applying.
加拿大的低利率信用卡
如果你有时会产生未还清的余额，利率比任何奖励都更重要。这些卡的购物利率远低于通常的 19.99%–21.99%。按购物利率排序，由低到高。
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#2
#3
Low-interest enviro Visa Classic card with Vancity Rewards
Vancity · 评分 3.5/5
开卡礼: No fee for your first year
年费$50 (第1年免费)
购物利率11.25%
外币手续费2.5%
全部 7 项对比
| 卡片 | 开卡礼 | 额外返现 | 年费 | 购物利率 | 预支现金 | 外币手续费 | |
|---|---|---|---|---|---|---|---|
| Earn up to $2,800 in value in the first 14 months, including up to 80,000 bonus Scene+ points.预计价值 $800 | +$175 返现 | $399 | 9.99% | 9.99% | 0% | 申请 → | |
| — | — | $39 | 10.99% | 24.99% | 2.5% | 申请 → | |
| No fee for your first year | — | $50第1年免费 | 11.25% | 11.25% | 2.5% | 申请 → | |
| 0% rate on balance transfers for 12 months (3% fee applies). Not available for residents of Quebec. | +$50 返现 | $0 | 12.99% | 24.99% | 2.5% | 申请 → | |
| Enjoy a 1.9% introductory interest rate for the first 10 months on balance transfers and no annual fee for the first year. Apply by January 12, 2027. | — | $20第1年免费 | 12.99% | 14.99% | 2.5% | 申请 → | |
 Scotiabank | 0% interest on balance transfers for 9 months + first year fee rebate + extra savings at shell | +$50 返现 | $29第1年免费 | 13.99% | 13.99% | 2.5% | 申请 → |
| Get a 0% introductory interest rate on Balance Transfers for 18 months with a 3% transfer fee and a $29 first-year annual fee rebate. | — | $29第1年免费 | 13.99% | 15.99% | 2.5% | 申请 → |
优惠数据来自 FinlyWealth，更新于 2026-11-08。利率、费用和优惠经常变动，可能与发行方向你展示的内容有所不同 — 在申请前，请务必在发行方的网站上确认当前的条款。“额外返现”是在你通过我们的链接申请并获得批准时由 FinlyWealth 支付的；相关条件见 FinlyWealth 页面。排名采用 FinlyWealth 的评分，其次是开卡礼价值。crediteasy.ca 是独立的，不提供财务建议。